GMC Sierra Car Insurance Rates: What You Should Expect to Pay
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UPDATED: Jun 6, 2019
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The GMC Sierra is one of the most popular pickup trucks on the market. The cost to insure a new GMC Sierra will vary based upon many factors, but the average cost is about $1,200 per year for an auto insurance policy on this vehicle.
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Of course, there are several things that will impact the cost to insure a GMC Sierra. You may end up paying significantly more or less than this national average.
GMC Sierra Car Insurance Rates
The GMC Sierra is relatively expensive to insure compared to other vehicles. The national average for car insurance is around $800. In contrast, the approximate cost to insure a new GMC Sierra is $1,200 annually.
Part of the reason why car insurance coverage for the GMC Sierra is so expensive is its retail price and value.
One of the factors that affect the insurance costs of a vehicle is its replacement cost. If your car is destroyed by accident or theft, the insurance company will have to reimburse you for its value. According to Automobile Magazine, the GMC Sierra has a sticker price starting at over $27,000 before options.
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Factors that Affect GMC Sierra Car Insurance Rates
Although the national average for insurance on a new GMC Sierra is $1,200 per year, actual costs may vary greatly. There are several factors that influence insurance costs for the Sierra and any other vehicle.
Where you live plays an important role in how much you pay for car insurance. Currently, Louisiana, Oklahoma, and Michigan are the three most expensive states for automobile insurance, according to CBS News. The least expensive states to insure a car are Wisconsin, Iowa, and Maine.
Besides just your home state, your city, and ZIP code will affect your car insurance rates. If you live in a high crime area, you will have a higher auto insurance premium because of the increased risk of theft of damage to your vehicle.
Your personal driving record plays a big part in determining your auto insurance premium.
Drivers who have a clean record, free of speeding tickets and accident reports, will get the best rates. If you have moving violations, a history of accidents, or a DUI/DWI, you will pay a premium for car insurance.
Young drivers pay more for auto insurance because they are statistically more likely to be involved in an accident.
Finally, the type of vehicle and how you plan to use it are factors that influence your car insurance. While the average annual insurance cost of a new GMC Sierra is around $1,200, you are likely to pay significantly less for an older model Sierra. The more your car depreciates, the less expensive your car insurance will be (to a point). This is because the replacement value of the vehicle is declining.
You can also be eligible for a better rate if you don’t drive frequently. Drivers who spend more time on the road have a higher risk of being involved in an accident. Conversely, drivers who can prove that they put low mileage on their vehicles are often eligible for a discount on their car insurance policy.
How to Get the Best GMC Sierra Car Insurance Rates
Finding insurance doesn’t have to be overwhelming. There are many options out there, but if you do your research and know what you’re looking for, you can find a policy that is a great deal and a great fit for your needs.
You should start by understanding the level of coverage that you need. Research the minimum requirements in your state and consider your budget and the possible scenarios in which you would need coverage.
While it may be tempting to choose the lowest priced policy, make sure you are getting coverage that will protect you in case of an accident of other unforeseen event.
Next, research some companies in your area. Don’t just go for the first quote you receive; get information from multiple sources and compare. Remember, you will want to compare the features and benefits of the policies, not just the prices.
If you are looking for the best price on auto insurance for a GMC Sierra, you can get started today! By doing your research and being a smart shopper, you may end up paying less than the national average for your GMC Sierra auto insurance policy.
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